It's time to make smart choices - Choices that fit your life - 2017 Annual Enrollment Benefits Guide
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Choices that fit your life.
It’s time to make
smart choices.
Get Started
2017 Annual Enrollment Benefits Guide
BG31What’s Know Health Financial Other Important
Home
Home New and Enroll Options Options Benefits Contacts
Your Tenet Healthcare Benefits
How to use this guide:
Find Your Fit!
• First, click the “Let’s GO” button.
2017 Tenet benefits are all about you and finding the plans that fit your life. You make • Then, click through the PDF using
patient care and safety a priority, that’s why Tenet makes you a priority. the navigation buttons on the
bottom right of each page.
For current employees going through Annual Enrollment
• You also can go directly to a
We are pleased to offer more options, more value and more flexibility. Our 2017 plan
section using the tabs across
improvements represent an even larger investment in you, our valued colleagues.
the top.
• What’s New for 2017
Within a section, you can jump right
• How to Enroll for Benefits to the content you want using the
navigation on the left side of that
Please read this guide for highlights about your benefits and important changes.
section.
Remember to enroll during the Annual Enrollment window, November 7–18, 2016.
For newly hired/newly eligible employees Let’s GO
Welcome to Tenet! This guide will give you the information you need to enroll in Tenet
benefits for the first time. If you want to have benefits for 2017, you will need to enroll
within 31 days of your date of hire or eligibility date.
• New hires/newly eligible
• Eligibility
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
2What’s
What’s Know Health Financial Other Important
Home New
New and Enroll Options Options Benefits Contacts
What’s New What’s New
Medical
Medical Options
Dental
We are ensuring quality amongst our plan offerings across facilities and markets to give employees a consistent
Know and Enroll experience when selecting health plans. You will be able to select between the following plans:
• EPO Plan
Health Options
• PPO Plan
Financial Options
• Health & Reimbursement Plan, which includes a Health Reimbursement Account (HRA)
Other Benefits • Health & Savings Plan, which includes a Health Savings Account (HSA)
and Discounts
When it comes to choosing a medical plan, there’s no such thing as “one-size-fits-all.” We urge you to actively learn
Important Contacts
about all of the plans so you can decide what makes the most sense for your personal situation, even if that means
trying a new plan for 2017.
See the plan details and medical plans comparison chart in the Health Options section.
Other important changes include the following:
• Gap exception process no longer required for in-network care — You will no longer have to go
through a “gap exception” process in order to use a non-Tenet, in-network facility. In 2017, if you choose a
non-Tenet facility that is in-network with your insurance carrier, you will pay the in-network rate or co-insurance
amount without having to go through any approval process. Please note: You will pay your plan’s in-network
co-insurance, not the Tenet network rate, so the cost will be slightly higher.
Other Important Changes
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
3What’s
What’s Know Health Financial Other Important
Home New
New and Enroll Options Options Benefits Contacts
What’s New Medical Options (continued)
Medical • Physician waivers removed — Tenet has decided to remove physician waivers in 2017. This means Tenet
doctors are not permitted to waive patient co-insurance costs. What is
Dental ACO/CIO?
• Salary banding removal — We are ensuring consistency in what our colleagues contribute toward their plans
(the premium that comes out of their paycheck). This means plan rates have been leveled across all colleagues Tenet ACO/CIO
Know and Enroll
and premiums are no longer based on salary bands. is a group of
Health Options physicians
• Network Name Change — No more Tier 1, Tier 2 and Tier 3. We’re trying to make things simpler, so we’re now that Tenet has
Financial Options
calling the networks by their “real” names to help you better understand how your doctor or facility fits into the big brought together
picture. From now on we will refer to them as: to provide
Other Benefits • Tenet Network: These providers are physicians who are only employed by Tenet, Tenet-owned facilities and
and Discounts coordinated,
Tenet ACO/CIO physicians. high-quality care
Important Contacts • In-Network: These are providers and facilities that are not Tenet or ACO/CIO physicians but that are in your to our patients
insurance carrier’s network. and communities.
• Out-of-Network: These are providers that are not in your insurance carrier’s network. You will pay the highest
rate if you choose one of these providers. Some plans do not offer any out-of-network benefits.
• Tenet Network change — We’re clarifying the Tenet Network. As mentioned above, in 2017, the Tenet Network
will consist of physicians employed by Tenet, facilities owned by Tenet and ACO/CIO physicians only. With the
other enhancements being made for 2017, you and your dependents will have exceptional access to In-Network
physicians across many specialties in your insurance carrier’s network. It’s an additional benefit to be able to tap
into our Tenet network of providers when possible. With access to both of these networks, colleagues have
many affordable options to choose from.
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
4What’s
What’s Know Health Financial Other Important
Home New
New and Enroll Options Options Benefits Contacts
What’s New Dental Carrier and Options
Medical The dental plan is enhanced for 2017 and now includes the following features:
• New carrier — Delta Dental will replace Cigna as your dental carrier.
Dental
• Increased annual maximum for each eligible family member (from $1,200 to $1,500).
Know and Enroll This means each family member has $1,500 of dental coverage during 2017.
Health Options
• Increased child orthodontia lifetime maximum coverage (from $1,000 to $1,500).
• New adult orthodontia coverage will be available (with a lifetime maximum of $1,500).
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
5What’s Know
Know Health Financial Other Important
Home New and
and Enroll
Enroll Options Options Benefits Contacts
What’s New Know and Enroll
Enrollment Checklist
Know and Enroll
Enrollment
Checklist For current employees, Annual Enrollment is November 7–18, 2016. Here’s what you need to know to be ready.
How to Enroll Newly hired/newly eligible employees should follow steps 2 through 4.
Eligibility
1. Review your current year plans, and consider how well those benefits are working for your family.
Health Options Would making a change be more beneficial than your current elections?
Financial Options
Other Benefits 2. Review the options explained in this guide.
and Discounts
Important Contacts 3. If you need to add or change dependents, gather their personal information before you begin the
enrollment process.
4. W
hen you’re ready, enroll. Click here for detailed instructions.
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
6What’s Know
Know Health Financial Other Important
Home New and
and Enroll
Enroll Options Options Benefits Contacts
What’s New How to Enroll
Know and Enroll Review this guide, and discuss the options with your family. If you intend to enroll dependents or provide beneficiary
information for the first time, you also will need their full names, birth dates and Social Security numbers to complete
Enrollment your enrollment session.
Checklist
How to Enroll 1. Go to MyTenet.com and log in.
Eligibility
• Your login credentials for MyTenet.com are the same as those that you use for eTenet.
•F
orgot your username or password? Click the “Forgot your username and/or password” link.
Health Options Or log in to eTenet and click the MyTenet icon.
Financial Options 2. Go to the MyTenet benefits enrollment webpage.
Other Benefits • During Annual Enrollment, click the special Annual Enrollment icon that appears on the home page.
and Discounts
• At other times of the year (for new employees or Life Event changes), go to My Benefits >
Important Contacts Enrolling/changing benefits > Benefits Enrollment Website. Review all the online materials.
When you are ready to enroll, click the “Enroll Now!” button.
• You will be redirected to Tenet’s benefits enrollment website. Click the “Enroll” link.
• Review the various resources available on the page.
3. Click the “Enroll in Your Benefits” link, and follow the online prompts to select your 2017 benefits.
4. Click the “Submit” button when you have completed your selections.
5. Print the Completed Successfully page, and review it for accuracy.
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
7What’s Know
Know Health Financial Other Important
Home New and
and Enroll
Enroll Options Options Benefits Contacts
What’s New Eligibility
Know and Enroll You are eligible for Tenet benefits based on your employee status:
Enrollment Full-Time Part-Time 1 Part-Time 2
Checklist (Scheduled to work 30 or more hours per week) (Scheduled to work 24 to 29 hours per week) (Scheduled to work less than 24 hours per week)
How to Enroll
Voluntary Plans Voluntary Plans Voluntary Plans
(You must enroll to participate in these plans.) (You must enroll to participate in these plans.) (You must enroll to participate in these plans.)
Eligibility • Medical (includes prescription drug) • Medical (includes prescription drug) • 401(k) Retirement Savings Plan
New Hires/ • Dental • Dental • Added Benefits
Newly Eligible
Dependents
• Vision • Vision Automatic Plans
Life Events • Flexible Spending Accounts • Flexible Spending Accounts (You do not need to enroll in these plans.)
Medicare • Supplemental Life and AD&D • Supplemental Life and AD&D • Employee Assistance Program (EAP)
• Disability • Disability • Employee Discount Program
Health Options • 401(k) Retirement Savings Plan • 401(k) Retirement Savings Plan
Financial Options • Employee Stock Purchase Plan • Employee Stock Purchase Plan
• Accident • Accident
Other Benefits
and Discounts
• Critical Illness • Critical Illness
• Long-Term Care • Added Benefits
Important Contacts
• Added Benefits Automatic Plans
Automatic Plans (You do not need to enroll in these plans.)
(You do not need to enroll in these plans.) • Chronic Care Program
• Basic Life and AD&D • Employee Assistance Program (EAP)
• Chronic Care Program • Employee Discount Program
• Employee Assistance Program (EAP)
• Employee Discount Program
If you gain eligibility due to the Affordable Care Act, you will be offered ACA Compliant Coverage. Continued
Notification of eligibility status will be communicated by the MyBenefits Customer Support Center.
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
8What’s Know
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Home New and
and Enroll
Enroll Options Options Benefits Contacts
What’s New Eligibility
Know and Enroll If You Are Newly Hired or Newly Eligible for Benefits
Enrollment
You must enroll within 31 calendar days from your date of hire or eligibility date. If you do not enroll for benefits
Checklist within 31 days, you must wait for another enrollment opportunity — Annual Enrollment or another qualifying event
(see Life Event Changes).
How to Enroll
Eligibility
Dependents
New Hires/ If you enroll for benefits coverage, you may cover certain family members, including:
Newly Eligible
Dependents
• Your legal or common law spouse
Life Events • Your same- or opposite-sex domestic partner who meets the domestic partner requirements
Medicare • Your children up to age 26, living inside or outside the family home, regardless of student status, including:
• Natural-born children
Health Options
• Stepchildren
Financial Options
• Foster children
Other Benefits • Children for whom you are the legal guardian
and Discounts
• Children ordered to be covered through a Qualified Medical Support Order
Important Contacts
• Your children of any age who are mentally or physically disabled and were disabled prior to age 26
Continued
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
9What’s Know
Know Health Financial Other Important
Home New and
and Enroll
Enroll Options Options Benefits Contacts
What’s New Eligibility
Know and Enroll Life Event Changes
Enrollment
You may change your benefit choices either at Annual Enrollment or when you have a Qualified Life Event.
Checklist A Qualified Life Event includes the following:
How to Enroll • Marriage or divorce
• Birth, adoption or change in custody of the employee’s child
Eligibility
• Change in the employee’s or spouse’s employment status
New Hires/
Newly Eligible
• Death of the employee’s spouse and/or dependent
Dependents
• Leave of absence taken by the employee
Life Events
Medicare • Gain or loss of coverage
• A significant change in the health coverage of the employee or spouse attributable to the spouse’s employment
Health Options
• You or your spouse becomes entitled to Medicare benefits
Financial Options
This list is not all-inclusive. You must request the change within 31 days of the event. To request a change, go to
Other Benefits MyTenet.com or call the MyBenefits Customer Support Center at 877-46-TENET (877-468-3638). Documentation
and Discounts may be required.
Important Contacts
If You Are Eligible for Medicare
Please review the Medicare and Your Medical Plan FAQs on MyTenet.com.
Continued
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
10What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Health Options
Know and Enroll
Medical Plans Overview
Health Options
You may choose from the following medical coverage options:
Medical Plans
Overview
• EPO Plan
• PPO Plan
Networks
• Health & Reimbursement Plan
Medical Plans
Comparison Chart • Health & Savings Plan
Tobacco
Surcharge The amount you pay for your healthcare depends on what healthcare services you receive and what provider you
see (whether they are Tenet, in- or out-of-network). Generally, here’s how the plans work:
Health Savings
Account • For many services, you pay an annual deductible before your plan begins paying benefits. Then you pay a
Health portion of the cost (co-insurance) and the plan pays the rest. The plan you choose will dictate your share of the
Reimbursement co-insurance.
Account
Prescription
• In some plans, services such as a doctor’s office visit may require a co-pay. This is a fixed dollar amount that you
Drugs must pay (not a percentage like co-insurance), but you do not need to meet your deductible first.
Dental • For all plans, certain preventive care visits and screenings — depending on age and gender — are covered at
100 percent, which means you pay nothing for those services if you use a Tenet or In-Network provider. See the
Vision
medical plans comparison chart for details.
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
11What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New How the Medical Plans Work: Networks
Know and Enroll It can be confusing to know how much the plans will cover until you understand the networks. Keep the following
in mind: What is
Health Options ACO/CIO?
Tenet Network — Plain and simple, this is your Tenet discount plan. These providers include physicians who are
Medical Plans employed by Tenet, Tenet-owned facilities, and Tenet ACO/CIO physicians. Tenet ACO/CIO
Overview is a group of
In-Network — These are providers who are not Tenet-employed, -owned or ACO/CIO physicians but they are in physicians
Networks
your insurance plan’s network. that Tenet has
Medical Plans brought together
Comparison Chart Out-of-Network — This tier is made up of out-of-network providers. You will pay the most when you choose
to provide
out-of-network providers and some plans do not offer any out-of-network benefits.
Tobacco coordinated,
Surcharge
See the plan medical plans comparison charts for details. high-quality care
Health Savings to our patients
Account
Once your benefits take effect, you can check to see if a doctor is in-network by visiting the website or calling your and communities.
Health insurance carrier.
Reimbursement
Account
Prescription
Drugs
Dental
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
12What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Medical Plans Comparison Chart
Please see the Networks section of this guide if you have any questions about providers included in Tenet Network, In-Network and
Know and Enroll Out-of-Network.
Health Options
EPO Plan PPO Plan Health & Health & Savings Plan
Medical Plans Reimbursement Plan
Overview
Annual Tenet Network $0 $0 $0 $1,300/$2,600
Deductible
Networks In-Network $800/$2,400 $800/$2,400 $1,600/$3,200 $1,300/$2,600
(individual/family)
Applies to
Medical Plans Out-of-Network N/A $1,600/$4,800 $3,200/$6,400 $2,400/$4,800
Comparison Chart
out-of-pocket max.
Annual Tenet Network $4,000/$12,000 $4,000/$12,000 $6,450/$12,900 $5,200/$10,400
Tobacco
Surcharge Out-of-Pocket In-Network $4,000/$12,000 $4,000/$12,000 $6,450/$12,900 $5,200/$10,400
Maximum
Health Savings (individual/family) Out-of-Network N/A Unlimited Unlimited Unlimited
Account
Medical Account All Networks N/A N/A Health Reimbursement Account Health Savings Account
Health (individual/family) (HRA) – Tenet will contribute (HSA) – Annual company
Reimbursement $300/$600 contribution: $50/$100
Account
Physician Care Tenet Network Physician – $30 co-pay 10% 10% 10% after deductible
Prescription Office visit; Specialist – $45 co-pay
Drugs IP/OP/ER;
basic X-ray/lab1 In-Network Physician – $30 co-pay 20% after deductible 20% after deductible 20% after deductible
Dental
Specialist – $45 co-pay
Vision Out-of-Network N/A 60% after deductible 75% after deductible 60% after deductible
Preventive Tenet Network $0 0% 0% 0%
Financial Options Services In-Network $0 0% 0% 0%
Other Benefits
Out-of-Network N/A Full cost Full cost Full cost
and Discounts
* For more information about Tenet discount policies, refer to Policy AD2.06 located on eTenet.
Important Contacts
1
Certain advanced tests and/or X-rays (MRI, CT scans, etc.) require pre-authorization. Call the Member Services number on your medical ID card. Continued
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
13What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Medical Plans Comparison Chart (continued)
Know and Enroll EPO Plan PPO Plan Health & Health & Savings Plan
Reimbursement Plan
Health Options Inpatient Tenet Network Facility – $0* Facility – 10%* Facility – 10%* Facility – 10% after deductible*
Medical Plans Professional – 10% Professional – 10% Professional – 10% after
Overview deductible
In-Network Facility – $500 co-pay per Facility – 10% after deductible Facility – 20% after deductible Facility – 10% after deductible
Networks admission Professional – 20% after Professional – 20% after Professional – 20% after
Medical Plans deductible deductible deductible
Comparison Chart Out-of-Network N/A Facility – 60% after deductible Facility – 75% after deductible Facility – 60% after deductible
Tobacco Professional – 60% after Professional – 75% after Professional – 60% after
Surcharge
deductible deductible deductible
Health Savings Outpatient1 Tenet Network Facility – $0* Facility – 10%* Facility – 10%* Facility – 10% after deductible*
Account
Professional – 10% Professional – 10% Professional – 10% after
Health deductible
Reimbursement
Account In-Network Facility – $250 co-pay Facility – 10% after deductible Facility – 20% after deductible Facility – 10% after deductible
Prescription
Professional – 20% after Professional – 20% after Professional – 20% after
Drugs deductible deductible deductible
Out-of-Network N/A Facility – 60% after deductible Facility – 75% after deductible Facility – 60% after deductible
Dental
Professional – 60% after Professional – 75% after Professional – 60% after
deductible deductible deductible
Vision
* For more information about Tenet discount policies, refer to Policy AD2.06 located on eTenet.
Financial Options 1
Certain advanced tests and/or X-rays (MRI, CT scans, etc.) require pre-authorization. Call the Member Services number on your medical ID card. Continued
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
14What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Medical Plans Comparison Chart (continued)
Know and Enroll EPO Plan PPO Plan Health & Health & Savings Plan
Reimbursement Plan
Health Options Maternity Care Tenet Network Facility – $0* Facility – 10%* Facility – 10%* Facility – 10% after deductible*
Medical Plans Physician – $30 co-pay Professional – 10% Professional – 10% Professional – 10% after
Overview (initial visit only) Prenatal care – 10% Prenatal care – 10% deductible
Specialist – $45 co-pay Prenatal care – 10% after
Networks
(initial visit only) deductible
Medical Plans In-Network Facility – $500 Facility – 10% after deductible Facility – 20% after deductible Facility – 10% after deductible
Comparison Chart
Physician – $30 co-pay Professional – 20% after Professional – 20% after Professional – 20% after
Tobacco Specialist – $45 co-pay deductible deductible deductible
Surcharge
Prenatal care – 20% after Prenatal care – 20% after Prenatal care – 20% after
Health Savings deductible deductible deductible
Account
Out-of-Network N/A Facility – 60% after deductible Facility – 75% after deductible Facility – 60% after deductible
Health Professional – 60% after Professional – 75% after Professional – 60% after
Reimbursement deductible deductible deductible
Account
Prenatal care – 60% after Prenatal care – 75% after Prenatal care – 60% after
Prescription deductible deductible deductible
Drugs
* For more information about Tenet discount policies, refer to Policy AD2.06 located on eTenet.
Dental 1
Certain advanced tests and/or X-rays (MRI, CT scans, etc.) require pre-authorization. Call the Member Services number on your medical ID card. Continued
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
15What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Medical Plans Comparison Chart (continued)
Know and Enroll EPO Plan PPO Plan Health & Health & Savings Plan
Reimbursement Plan
Health Options Emergency Care Tenet Network Emergency Room – $100 ER fee Emergency Room – $100 ER fee Emergency Room – $100 ER fee Emergency Room – $100 ER fee
(waived if admitted) + 10%* (waived if admitted) + 10%* (waived if admitted) + 10%* (waived if admitted) + 10% after
Medical Plans
Overview Ambulance – $0 Ambulance – 20% Ambulance – 10% deductible*
Ambulance – 20% after
Networks deductible
In-Network Emergency Room – $100 ER Emergency Room – $100 ER Emergency Room – $100 ER Emergency Room – $100 ER
Medical Plans
Comparison Chart
fee (waived if admitted) fee (waived if admitted) fee (waived if admitted) fee (waived if admitted)
+ 10% after deductible + 10% after deductible + 10% after deductible + 10% after deductible
Tobacco
Surcharge
Ambulance – $0 Ambulance – 20% after Ambulance – 10% Ambulance – 20% after
deductible deductible
Health Savings
Account
Out-of-Network N/A Emergency Room – $100 ER Emergency Room – $100 ER Emergency Room – $100 ER
fee (waived if admitted) fee (waived if admitted) fee (waived if admitted)
Health + 10% after deductible + 10% after deductible + 10% after deductible
Reimbursement
Account Ambulance – 20% after Ambulance – 10% Ambulance – 20% after
deductible deductible
Prescription
Drugs
Urgent Care Tenet Network $45 per visit* 10%* Facility – 10%*1 Facility – 10% after deductible*1
Professional – 10%1 Professional – 10% after
Dental deductible1
In-Network $45 per visit 20% after deductible Facility – 20% after deductible1 Facility – 20% after deductible1
Vision
Professional – 20% after Professional – 20% after
deductible1 deductible1
Financial Options
Out-of-Network N/A 60% after deductible Facility – 75% after deductible1 Facility – 60% after deductible1
Other Benefits Professional – 75% after Professional – 60% after
and Discounts deductible1 deductible1
Important Contacts * For more information about Tenet discount policies, refer to Policy AD2.06 located on eTenet.
1
Certain advanced tests and/or X-rays (MRI, CT scans, etc.) require pre-authorization. Call the Member Services number on your medical ID card. Continued
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
16What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Medical Plans Comparison Chart (continued)
Know and Enroll EPO Plan PPO Plan Health & Health & Savings Plan
Reimbursement Plan
Health Options Acupuncture/ Tenet Network $45 co-pay 10% 10% 10% after deductible
Chiropractic Care
Medical Plans In-Network $45 co-pay 20% after deductible 20% after deductible 20% after deductible
Overview
Max. 20 visits per
calendar year Out-of-Network N/A 60% after deductible 75% after deductible 60% after deductible
Networks Outpatient Tenet Network $45 co-pay 10% 10% 10% after deductible
Physical/
Medical Plans Occupational/ In-Network $45 co-pay 20% after deductible 20% after deductible 20% after deductible
Comparison Chart Speech Therapy
Max. 60 visits per
Tobacco Out-of-Network N/A 60% after deductible 75% after deductible 60% after deductible
Surcharge calendar year
Health Savings
Home Healthcare Tenet Network $0 10% 10% 10% after deductible
Account Max. 120 visits per In-Network $0 20% after deductible 20% after deductible 20% after deductible
calendar year
Health Out-of-Network N/A 60% after deductible 75% after deductible 60% after deductible
Reimbursement
Account
Durable Medical Tenet Network $0 10% 10% 10% after deductible
Equipment (DME) In-Network $0 20% after deductible 20% after deductible 20% after deductible
Prescription
Drugs Out-of-Network N/A 60% after deductible 75% after deductible 60% after deductible
Mental Health/ Tenet Network Inpatient – $500 co-pay per 10% 10% 10% after deductible
Dental Substance Abuse admission
Inpatient; Outpatient – $250 co-pay per
Vision outpatient; office admission
Financial Options Office visit – $30 co-pay
In-Network Inpatient – $500 co-pay per 10% 10% 10% after deductible
Other Benefits admission
and Discounts
Outpatient – $250 co-pay per
admission
Important Contacts
Office visit – $30 co-pay
Out-of-Network N/A 60% after deductible 75% after deductible 60% after deductible
* For more information about Tenet discount policies, refer to Policy AD2.06 located on eTenet.
1
Certain advanced tests and/or X-rays (MRI, CT scans, etc.) require pre-authorization. Call the Member Services number on your medical ID card.
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
17What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Tobacco Surcharge
Know and Enroll When you enroll for medical coverage, you must complete a Tobacco Declaration. If you and your covered
dependents have used tobacco products (cigarettes, e-cigarettes, cigars, pipes, smokeless tobacco) within the last
Health Options 12 weeks, you will pay a surcharge every pay period for medical coverage. This higher premium relates to the higher
healthcare costs associated with tobacco users.
Medical Plans
Overview
The tobacco surcharge is $25 per paycheck. If you do not complete a Tobacco Declaration during enrollment,
Networks tobacco-related claims could be denied in the future.
Medical Plans If you’re ready to quit using tobacco, please contact your medical carrier to learn about resources.
Comparison Chart
Tobacco
Surcharge
Health Savings
Account
Health
Reimbursement
Account
Prescription
Drugs
Dental
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
18What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Health Savings Account
Know and Enroll If you elect the Health & Savings Plan, you also will have a Health Savings Account (HSA).
Health Options An HSA is an individual, tax-advantaged account that you can use to pay qualified healthcare expenses (medical,
prescription, dental and vision) for you, your spouse and your dependents. All HSA deposits, interest, earnings and
Medical Plans withdrawals (when used to pay eligible expenses) are free of federal taxes.
Overview
Networks Company Funding
Medical Plans Tenet makes an annual company contribution of:
Comparison Chart
• Employee Only: $50 (pro-rated for new enrollees)
Tobacco
Surcharge • Employee + Spouse, Child(ren) or Family: $100 (pro-rated for new enrollees)
Health Savings
Account
You can elect to contribute to an HSA through automatic, pre-tax payroll deductions. You can start, stop or
IRS Limits and change your contribution amount at any time during the year by contacting the MyBenefits Customer Support
Eligible Expenses Center. Alternatively, you may make after-tax contributions by sending funds directly to Fidelity Investments (and then
Using Your Funds claim the contribution on your federal tax return).
Health
Reimbursement
Account
The HSA Account Is Always Yours
If you enroll in a plan which is HSA-eligible, you will receive instructions from Fidelity Investments on how to open
Prescription
Drugs your HSA account.
Dental Any unused HSA funds roll over from year to year. There are no time limits within which you must make withdrawals.
That means your HSA will always be there whenever you need it.
Vision
If you change medical plans or leave Tenet for any reason, the account and all of the funds in it go with you. In any
Financial Options of those scenarios, you will be able to use the account to pay qualified healthcare expenses, but you won’t be able
to contribute to your account anymore.
Other Benefits
and Discounts
Continued
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
19What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
IRS Contribution Limits
The annual contribution limit for HSA contributions includes any funds deposited by Tenet and any personal
Know and Enroll contributions you make. For 2017, the limits are as follows:
Health Options
Employee + Spouse,
IRS-Mandated Annual HSA Contribution Limits Employee Only Coverage
Medical Plans
Child(ren) or Family Coverage
Overview
Annual HSA Contribution Maximum $3,400 $6,750
Networks
Annual Catch-Up Contributions for Age 55+ $1,000 $1,000
Medical Plans
Comparison Chart As you can see in the chart above, you may make extra “catch-up” contributions if you are age 55 or older.
Tobacco
Surcharge Eligible Expenses
Health Savings Eligible HSA expenses include any medical, dental, vision or prescription expenses that are not paid by your health
Account
insurance plans. Some examples of HSA-eligible expenses include the following:
IRS Limits and
Eligible Expenses • Deductibles • Acupuncture
Using Your Funds
• Co-pays or co-insurance • Psychiatric care
Health
Reimbursement • Contact lenses • Dental treatment
Account
• Prescriptions
Prescription
Drugs For a complete list of eligible and ineligible expenses, you can visit the IRS website at www.irs.gov.
Dental If you use HSA funds for something other than eligible expenses and are younger than 65 years old, you will have
to pay a 20 percent tax penalty plus income tax on those ineligible distributions; if you are over age 65, you will be
Vision
required to pay income tax on such distributions.
Financial Options
Continued
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
20What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Using Your HSA Funds
There are several ways you can use your HSA funds:
Know and Enroll
1. You can pay at the point of sale (for example, at the pharmacy counter) by using your Fidelity HSA debit card or
Health Options by writing a check from your Fidelity HSA checkbook. The funds will come directly out of your HSA.
Medical Plans 2. You can pay for an eligible expense with your own money and then request reimbursement. You can do this by
Overview
contacting Fidelity and asking for a distribution check; or you can have HSA funds deposited directly into your
Networks regular bank account by electronic funds transfer (EFT); or you can write a check to yourself for reimbursement.
Medical Plans 3. You can schedule and submit payments online using Fidelity’s BillPay program.
Comparison Chart
Tobacco With any of these options, your account must have a balance equal to or greater than the amount you are trying to
Surcharge
withdraw.
Health Savings
Account Be sure to keep receipts of your eligible HSA expenses for your records as they may be required by the IRS.
IRS Limits and
Eligible Expenses
How to Open Your HSA
Using Your Funds
Health
After you have enrolled in the Health & Savings Plan, it’s your responsibility to visit Fidelity’s site at www.netbenefits.
Reimbursement com to open your HSA. Then just follow the online enrollment instructions.
Account
Prescription
Drugs
Dental
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
21What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Health Reimbursement Account
Know and Enroll If you elect the Health & Reimbursement Plan, you also will have a Health Reimbursement Account (HRA).
Health Options An HRA is a company-funded account that you can use to pay qualified healthcare expenses (medical, prescription,
dental and vision) for you, your spouse and your dependents. When you enroll in the Health & Reimbursement Plan,
Medical Plans an HRA is opened automatically for you and is available on the first day your benefits begin.
Overview
Networks Company Funding
Medical Plans Tenet makes an annual company contribution of:
Comparison Chart
• Employee Only: $300 (pro-rated for new enrollees)
Tobacco
Surcharge • Employee + Spouse, Child(ren) or Family: $600 (pro-rated for new enrollees)
Health Savings
Account
You cannot make personal contributions to an HRA.
Health
Reimbursement
Using Your HRA Funds
Account
When you enroll in the Health & Reimbursement Plan, you will receive a debit card that you can use at doctors’
Company
Funding offices, healthcare facilities and pharmacies. The debit card will be mailed to your home address, and you should
Using Your receive it before your plan becomes effective.
HRA Funds
Rollover If you don’t pay for qualified expenses with the debit card, you may pay with your own money and file a claim
HRA and HCSA for reimbursement.
Compatability
Prescription Continued
Drugs
Dental
Vision
Financial Options
Other Benefits
and Discounts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
Important Contacts
22What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Rollover
Any unused HRA funds roll over from year to year as long as you remain in the Health & Reimbursement Plan.
Know and Enroll But the balance will be lost if you leave the Health & Reimbursement Plan or you leave Tenet.
Health Options
HRA and HCSA Compatibility
Medical Plans If you’d like to set aside more money for out-of-pocket healthcare expenses, you may open a
Overview
Healthcare Spending Account (HCSA) in addition to the HRA. The debit card you will receive
Networks works for both your HRA and HCSA; the two programs work together seamlessly.
Medical Plans • Your healthcare expenses are first paid from your HCSA.
Comparison Chart
• When your HCSA balance is depleted, any additional healthcare expenses are paid from your HRA.
Tobacco
Surcharge
The HCSA is used first because of the “use-it-or-lose-it” rules that are set by the IRS.
Health Savings
Account
Health
Reimbursement
Account
Company
Funding
Using Your
HRA Funds
Rollover
HRA and HCSA
Compatability
Prescription
Drugs
Dental
Vision
Financial Options
Other Benefits
and Discounts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
Important Contacts
23What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Prescription Drugs
Know and Enroll If you enroll in any of our medical plan options, you will receive prescription drug coverage administered by
CVS/Caremark. The amount you pay for your prescriptions depends on two things:
Health Options
• Which medical plan you select; and
Medical Plans • The tier to which the drug is assigned (generic, formulary or non-formulary).
Overview
Networks
You may purchase prescription drugs at any retail pharmacy in the CVS/Caremark network. You will receive a
prescription drug ID card with CVS/Caremark’s contact information.
Medical Plans
Comparison Chart
Mail Order Program
Tobacco
Surcharge With the mail order drug program, you can get up to a 90-day supply of your prescriptions delivered to your home.
Health Savings
If you or your dependents use maintenance prescriptions for a chronic condition — such as high blood pressure or
Account diabetes — they must be filled through mail order or at a retail CVS location.
Health
Reimbursement With each new maintenance prescription, you may fill your prescription twice at a retail pharmacy before you must
Account transition to a 90-day supply through mail order or at a retail CVS location.
Prescription
Drugs
Mail Order Continued
Specialty and
Generics
Prescription
Plan Comparison
Chart
Dental
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
24What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Specialty Pharmacy
Specialty medications may include drugs that are very expensive, have limited access, require complicated
Know and Enroll treatment regimens, or have compliance issues, special storage requirements or manufacturing reporting
requirements. CVS/Caremark will notify you if your prescription is categorized as a specialty drug.
Health Options
Medical Plans
Specialty prescriptions may be filled once at any in-network pharmacy, but subsequent fills must be made through
Overview the mail order program. You may request that your medication be sent to your home or a nearby CVS/Caremark
retail store. If the prescription is not filled through mail order after the initial fill, the claim will not be paid.
Networks
Specialty medications also may be filled at Tenet-owned onsite pharmacies; for a list of these locations, please
Medical Plans
Comparison Chart contact CVS/Caremark.
Tobacco
Surcharge Generic Drugs Cost Less
Health Savings Often, generic drugs will work just as well as the brand name drugs your doctor may have prescribed. Generic
Account
drugs contain the same active ingredients and are identical in dose, form and administrative method as brand name
Health drugs. They cost less since the manufacturer doesn’t have to pay to develop or market the drug.
Reimbursement
Account
Important note: If you fill a brand name drug when a generic is available, you may be assessed a penalty on top of
Prescription the brand co-pay.
Drugs
Mail Order
Specialty and Continued
Generics
Prescription
Plan Comparison
Chart
Dental
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
25What’s Know My Health
Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New
Pharmacy Benefits Comparison Chart
EPO Plan PPO Plan Health & Health & Savings Plan*
Know and Enroll
Reimbursement Plan
Health Options Retail Generic $5 co-pay $5 co-pay $5 co-pay $5 co-pay after medical
(30-day supply) deductible
Medical Plans
Overview Formulary 35% ($30 min., $100 max.) 35% ($30 min., $100 max.) 35% ($30 min., $100 max.) 35% ($30 min., $100 max.)
after medical deductible
Networks
Non-Formulary 50% ($40 min., $150 max.) 50% ($40 min., $150 max.) 50% ($40 min., $150 max.) 50% ($40 min., $150 max.)
Medical Plans after medical deductible
Comparison Chart
Mail Order Generic $10 co-pay $10 co-pay $10 co-pay $10 co-pay after medical
Tobacco (90-day supply) deductible
Surcharge
Formulary 35% ($75 min., $200 max.) 35% ($75 min., $200 max.) 35% ($75 min., $200 max.) 35% ($75 min., $200 max.)
Health Savings
Account after medical deductible
Health Non-Formulary 50% ($100 min., $300 max.) 50% ($100 min., $300 max.) 50% ($100 min., $300 max.) 50% ($100 min., $300 max.)
Reimbursement after medical deductible
Account
* Certain preventive medications are available at the co-pay/co-insurance level prior to the satisfaction of the deductible. For a complete listing of these medications, contact CVS/Caremark
Prescription at 877-906-3807. Non-preventive prescription costs apply to the medical plan deductible and out-of-pocket maximum.
Drugs
Mail Order
Diabetic supplies may be covered under the medical plan and/or under the prescription drug program. Under the prescription drug program
Specialty and
Generics supplies are subject to formulary guidelines. Please contact the pharmaceutical carrier to see if your supplies are part of the formulary.
Prescription
Plan Comparison
Chart
Dental
Vision
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
26What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Dental
Know and Enroll You have the choice of two dental plans administered by Delta Dental:
• Enhanced Comprehensive Plan
Health Options
• Preventive Plan
Medical Plans
Overview With either plan, you may see any dental provider you like (the coverage is the same), but you will save money if you
Networks
choose a dentist in the Delta Dental network, since the rates are negotiated.
Medical Plans If you use an out-of-network provider, the plan pays only “reasonable and customary” (R&C) charges. An in-network
Comparison Chart dentist’s charges are always within the “reasonable and customary” range, but an out-of-network provider’s may not
Tobacco be; if his or her charges are higher, you will be responsible for the difference.
Surcharge
Health Savings Enhanced Comprehensive Plan Preventive Plan
Account
Annual Deductible $25 in-network; $50 out-of-network No deductible
Health
Reimbursement Preventive In-network: You pay $0, deductible waived In-network: You pay $0
Account
Out-of-network: Plan pays R&C after deductible Out-of-network: Plan pays R&C
Prescription
Drugs Basic You pay 20% after deductible Not available
Dental Major You pay 50% after deductible Not available
Annual Max. Benefit $1,500 per covered person per year Not available
Vision
Lifetime Max. Orthodontic Benefit $1,500 per covered person, child or adult Not available
Financial Options
Note: You won’t receive a dental coverage card; your Social Security number is used to confirm coverage.
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
27What’s Know Health
Health Financial Other Important
Home New and Enroll Options
Options Options Benefits Contacts
What’s New Vision
Know and Enroll Tenet’s vision plan, administered by VSP, covers eye exams, lenses and frames. It also offers discounts on laser
eye surgery.
Health Options
You may visit in-network or out-of-network providers, but you’ll save money when you see a VSP provider. When
Medical Plans you visit an in-network provider, there are no claim forms to file. If you use an out-of-network provider, you must pay
Overview
at the time of service and submit a claim form to VSP.
Networks
In-Network Out-of-Network
Medical Plans
Comparison Chart Examination (once per calendar year) $10 co-pay Reimbursed up to $50
Tobacco Lenses (once per calendar year) $15 co-pay Reimbursed up to $100
Surcharge
Health Savings
Frames or Contact Lenses
Account
Frames (once every two years) $170 allowance plus 20% discount on amount Reimbursed up to $70
Health exceeding allowance
Reimbursement
Account Contact Lenses (once per Elective: $150 allowance in lieu of frames Elective: Reimbursed up to $150 in lieu of frames
calendar year) and lenses and lenses
Prescription
Drugs Medically necessary*: $15 co-pay Medically necessary*: Reimbursed up to $210
Dental * Contact lenses that are prescribed solely for correcting a medical condition, such as aphakia (after cataract surgery), anisometropia, keratoconus, etc.
Vision Note: You won’t receive a vision coverage card; your Social Security number is used to confirm coverage.
Financial Options
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
28What’s Know Health Financial
Financial Other Important
Home New and Enroll Options Options
Options Benefits Contacts
What’s New Financial Options
Know and Enroll
Flexible Spending Accounts
Health Options
Flexible spending accounts (FSAs) allow you to set aside pre-tax money through automatic payroll deduction and
Financial Options then use those funds to pay for eligible healthcare or dependent care expenses.
Flexible Spending Tenet offers two FSAs:
Accounts
• Healthcare Spending Account (HCSA)
Healthcare
Spending • Dependent Day Care Spending Account (DCSA)
Accounts
Dependent Day Important note: These funds have a “use it or lose it” rule, which means unused funds do not roll over from year
Care Spending to year. So it’s important to carefully estimate how much you contribute to your account(s).
Account
Life and AD&D All HCSA and DCSA funds must be used by December 31 of the current plan year and claimed by March 31 of the
Insurance following year; unclaimed funds are forfeited.
Disability
A Snapshot of the HCSA and DCSA
401(k) Retirement
Savings Plan
Healthcare Spending Account Dependent Day Care Spending Account
Other Benefits Eligible Expenses Medical, prescription, dental, vision Day care expenses for:
and Discounts
• Your dependent children under the age of 13
Important Contacts • Y our spouse or other federal tax dependent who is
physically or mentally incapable of caring for himself
or herself
Minimum/Maximum Contributions $130 – $2,550 per year $130 – $5,000 per year
Maximum contribution amount may vary depending on
certain compensation criteria
Funds Availability On the first day of plan effective date As balance is available
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
29What’s Know Health Financial
Financial Other Important
Home New and Enroll Options Options
Options Benefits Contacts
What’s New Healthcare Spending Account (HCSA)
Know and Enroll If you elect to contribute to a Healthcare Spending Account, you will be able to access the entire amount that you
choose to set aside as of the plan effective date, even though you contribute to the account throughout the year via
Health Options payroll deduction.
Financial Options If you enroll in the Health & Savings Plan with HSA… you are not eligible to elect an HCSA.
Flexible Spending If you enroll in the Health & Reimbursement Plan with HRA… your HCSA will coordinate with the HRA. Funds
Accounts
for eligible expenses will be taken from your HCSA first due to the “lose it or use it” rule.
Healthcare
Spending
Accounts Using Your HCSA Funds
Dependent Day If you enroll in an HCSA, you will receive a Your Spending Account™ (YSA) debit card that you can use to pay eligible
Care Spending
Account expenses at the point of service (for example, at the pharmacy counter).
Life and AD&D You also may pay with your own money and file a claim for reimbursement. When you file a reimbursement claim,
Insurance
you must also submit receipts. When you use your debit card, you usually do not have to submit receipts, but it’s a
Disability good idea to keep them for your records in case of an IRS audit.
401(k) Retirement
Savings Plan
Eligible Expenses
You may use HCSA funds for medical, prescription, dental and vision expenses that are not covered by your
Other Benefits
and Discounts insurance plan (for example, co-pays, co-insurance, glasses, etc.). The Internal Revenue Service (IRS) determines
which expenses are eligible for retirement. For more information, you can visit the IRS website at www.irs.gov for
Important Contacts more details.
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
30What’s Know Health Financial
Financial Other Important
Home New and Enroll Options Options
Options Benefits Contacts
What’s New Dependent Day Care Spending Account (DCSA)
Know and Enroll To be eligible for a Dependent Day Care Spending Account, both you and your spouse (if applicable) must be
working, be looking for work or be full-time students.
Health Options
You can use your DCSA to pay the following expenses:
Financial Options
• Nursery schools, child care centers or individuals who care for pre-school children (the individual providing care
Flexible Spending may be a relative but cannot also be your dependent)
Accounts
• Before-school or after-school care for children from kindergarten through age 12 or for a disabled dependent of
Healthcare any age (includes meals, lodging and payroll taxes of a housekeeper/nanny)
Spending
Accounts • Providers outside the home who care for a disabled dependent
Dependent Day
Care Spending • Summer day-camp programs in lieu of day care for which your dependent receives no educational credit
Account
For a complete list of eligible expenses, you can visit the IRS website at www.irs.gov.
Life and AD&D
Insurance
Disability
401(k) Retirement
Savings Plan
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
31What’s Know Health Financial
Financial Other Important
Home New and Enroll Options Options
Options Benefits Contacts
What’s New Life and AD&D Insurance
Know and Enroll Basic Employee Life
Health Options Basic employee life insurance provides your beneficiaries a payment in the event of your death. Coverage
is equal to one times your base salary, up to $50,000. Tenet pays the entire cost of this benefit.
Financial Options
Basic Employee AD&D
Flexible Spending
Accounts Basic employee accidental death and dismemberment (AD&D) provides a payment to:
Healthcare • Your beneficiaries if your death is due to an accident; or
Spending
Accounts • If you are seriously injured in an accident (for example, you lose a limb).
Dependent Day
Care Spending Coverage is equal to one times your base salary, up to $50,000. Tenet pays the entire cost of this benefit.
Account
Life and AD&D Beneficiaries
Insurance
Basic Life
Make sure your beneficiaries are on file with Tenet. You can enter them during the enrollment process,
Basic AD&D
or go to MyTenet.com and click on the “Benefits Enrollment Website” link to update.
Beneficiaries
Supplemental
Life and AD&D
Continued
Evidence of
Insurability
Disability
401(k) Retirement
Savings Plan
Other Benefits
and Discounts
Important Contacts
If you are covered by a Collective Bargaining Agreement, contact your Human Resources Department
and/or union representative as your plan provisions may be different.
32You can also read
